 When we're thinking about these risks, we can take a lot of preventative actions and we know of what a lot of them are in terms of where we put things, how we build things, how we respond to risks of extreme events, but it's not evenly distributed. So there's parts of Australia and parts of the world where even though we know how we could say build a house which is cyclone-proof for various reasons including economic reasons, those people can't do it. Or the type of house that we might build in say a place like Fiji doesn't correspond with the needs of those people culturally or it may not correspond with the climate that they experience so it may be quite inappropriate for a hot and wet climate. And so just because we have some of the solutions don't mean they're applicable or even if they're applicable whether they actually get implemented. And so we don't have all of the answers for all of the places which suffer from significant natural hazards. And of course increasingly with climate change we're seeing those impacts of climate change affecting different areas. So our Pacific neighbours of course are right at the forefront of climate change with higher sea levels increasing storminess so we're getting more of the extreme cyclones and that puts them right in the front line of impacts of climate change. And so again even though we know how to reduce that risk which is by reducing our greenhouse gas emissions we're not necessarily doing that at the degree and at the rate which actually reduces those risk for the Pacific Islands. Individually and as families and as communities there's lots of things we can do to manage risk but it really depends on our circumstances as how we do that. So for example if you live on a farm the way you'd manage this is very different from if you lived in a suburb. If you live in say South Australia the way you manage is very different from if you lived in Cairns and so it has to be contextual, it has to be dependent on your circumstances and it has to depend on the particularities of your own individual or community situation. So for example if you haven't got a lot of money then the way in which you may manage risk may be different from if you're actually cashed up and so it's a very sort of rich sort of scenario that we have to deal with and there's no one size fits all. But one of the ways we can do this is just looking at what we do individually and how we can change things. So obviously in a fire prone area it's about developing a fire management plan so if there is a fire coming we're actually already prepared to manage that so either stay and defend which was one of the old ways of doing it but in extreme circumstances that's a real problem we need to get out of the way and let the firefighters and the aeroplanes with the big you know dumpings of water and fire retardants in because they're the ones that can deal with those extreme circumstances not us as individuals. So we can do those sorts of things but in the case say of climate change we can also change our patterns of behaviour to reduce our greenhouse gas emissions and again there's lots and lots of ways we can do this. In my family what we do is we ride our bikes where we can. I ride my bike to work every day I would drive to work perhaps once or twice a year and so I reduce those emissions. We've got 28 solar panels on our roof and a battery to capture as much sunlight and use that as we can. We grow a lot of our own food we have a very productive vegetable patch with two different hydroponic systems and we grow fruit we can that and we bottle that and make jams and we distribute that all around the neighbourhood and around our workplaces and so many people benefit from our activities to reduce that food footprint and that's not to say that works for everyone because not everyone can do all of those things but in our individual circumstance that's what we like to do and that's a way of spreading the ideas about reducing footprint much more broadly than we otherwise would be able to. So I think a lot of this is actually looking about what your values are what are the things really important to you as an individual or as a family and then figuring out what are some of the really simple first steps that make you feel good and actually have a benefit to the environment and reduce your risk at the same time.